CreditMix. When it comes to understanding your customers, credit counts. Key benefits

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1 CreditMix Key benefits > Better determine market size and share of total outstanding credit behavior through detailed credit categories > Understand firm performance in capturing credit within target markets > Gain insights on how financial shifts affect customer segments > Determine the consumer credit health of target geographies > Developed by IXI Services for use in non- FCRA applications When it comes to understanding your customers, credit counts Given today s economy, consumers credit behaviors are continuously evolving: Consumer use of credit is up, but access to credit has gotten stricter Consumers are shifting which types of credit they prefer Mortgage and credit firms are looking for new ways to adapt to the changing market Today s reality is that households have adopted new financial and economic decision criteria which determine their lifestyles and credit behaviors. That s why having an understanding of households use of credit within your target markets is more important than ever before to making smart business decisions. CreditMix : The only source representing total outstanding credit CreditMix enables firms to better determine the market size and their share of outstanding credit within their target markets. With CreditMix, companies can gain insights on how financial shifts affect customer segments and better understand consumer credit health within various geographies. Extensive: Based on Equifax s extensive credit data representing nearly 100% of all active consumer credit users Granular: Lowest level available is Census Block Group or ZIP Code for the most granular assessment of market behavior Versatile: Offers 200 metrics across 41 account types; utilizes some of the same regulated metrics used for decisioning, but aggregated for use in non-fcra applications Sample application: With CreditMix, firms can analyze the number and balance of many credit types across custom or standard geographic regions. The below maps shows new credit card accounts (number and balances) within Philadelphia ZIP Codes. Accounts Balances more

2 Client question Are the consumers in Atlanta, GA likely to be able to afford my product or similar market products? What share of my customers is likely to be financial strapped by ZIP Code within the northern Virginia market? Solution category Capacity to pay Financial stress Applicable CreditMix variables (All Variables are offered at various geographies down to Block Group or ZIP Code) Total number of open credit card accts, total credit card balance, % balance to high credit - by firm and market for specific geography Total number of accounts 60 days past due and amount past due, total number of collections, bankruptcies, and foreclosures by firm and market for specific ZIP Codes What is my share of the market for recently opened credit accounts and should I open a branch in that market? Financial activity Total balance and number of bank card accts new w/in 12 months by firm and market Total balance and number auto bank accts new w/in 12 months by firm and market Total balance and number consumer finance accts new w/in 12 months by firm and market What s the likelihood that households in a particular series of block groups will file for bankruptcy? Risk scores Equifax Risk Score SM Bankruptcy Navigator Index 3.0 Neighborhood Risk Score Measure market-level performance and find opportunity Firms can use CreditMix to better assess the market size and their firm s market share of credit within a geographic region. It provides estimates of various total credit behaviors, mortgage vs. non-mortgage credit, and relevant sub-categories to help firms understand a market s allocation of credit. It can be further broken out by household asset ranges or Equifax Risk Score ranges for deeper analysis. With this information, firms can gain a better estimate of their share of all types of credit behaviors compared to the market. CreditMix product categories: By leveraging Equifax s extensive credit data, CreditMix provides estimates of total outstanding credit behaviors in select sub-categories for desired geographies. Total credit Mortgage Credit -- First Mortgage Agency Non Agency - Home Equity Line of Credit (HELOC) - Home Equity Loan (HELoan) Non-Mortgage Credit - Bank Card - Retail Card - Auto Finance - Auto Bank - Student Loan - Consumer Finance - Other Non-Mortgage CreditMix Product Sheet 2

3 Standardized variables for product categories: Variables # of Accounts # Accounts New w/in 12 months # Accounts >60 days past due Balance Balance Accounts New w/in 12 months Balance Accounts >60 days past due High Credit on Accounts High Credit on Accounts w/in 12 months % Balance to High Credit New Age of All Accounts Choice of custom or standard geographic regions: Any custom geographic region desired Any Census Geography as low as Census Block Group Any Postal Geography as low as ZIP Code Choice of custom or standard WealthComplete household asset ranges: Represents total estimated assets held by the households within the selected geographic region Choose from 13 standard household asset ranges or combine them to design your own ranges Low of <$2,500 to a maximum of $25 million+ within each geography Choice of custom or standard Equifax Risk Score ranges: Represents estimated average risk for households within the selected geographic region Choose from 13 standard Equifax Risk Score ranges or combine them to design your own ranges Low of <600 to a maximum of >821 within each geography CreditMix sample applications Credit market size and share: What is the estimated size of the credit market, credit allocation, and my firm s share for the Southeast? Credit category Total in market Firm credit Share of credit by category Total Mortgage Credit $1,434.0 $ % First Mortgage Credit $ $ % HELOC $100.0 $ % Home Equity Loan $42.0 $ % Total Non-Mortgage Credit $484.0 $ % Bank Credit Card $121.0 $ % Retail Credit Card $16.0 $ % Auto $126.0 $ % Other Non-Mortgage Credit $221.0 $ % TOTAL CREDIT $1,918.0 $ % CreditMix Product Sheet 3

4 Credit market size and share by asset ranges: What is the estimated size of the first mortgage market and my firm s share by custom asset breaks for the southeast? Geography Custom asset range Total first mortgage credit Firm first mortgage credit Share of first mortgage credit Southeast HH s with $5M-$10M $25.8 $ % Southeast HH s with $1M-$5M $193.8 $ % Southeast HH s with $500K-$1M $90.4 $ % Southeast HH s with <$500K $981.9 $ % TOTAL ALL $1,292.0 $ % Credit market health assessment: What is the credit market health for the different regions across the U.S. and where are the opportunities for growth? Geography Total number all credit accounts Total number all new credit accounts within last 12 months % balance to high credit for all credit accts Total number all credit accounts 60+ days past due Total number of bankruptcies Southeast 2,525,000 45,000 42% 1, Northeast 3,750, ,000 30% 1, Midwest 1,775,000 30,000 35% 1, Southwest 2,290,000 85,000 55% 3, Northwest 3,125,000 40,000 28% 1, TOTAL 13,465, ,000 42% 10, Northeast presents a likely opportunity for low risk growth: Has high new credit activity, low credit utilization, and low negative credit behavior indicating a healthier market Southwest presents a likely riskier opportunity for growth: Has higher credit utilization and negative credit behavior indicative of a struggling market The data above is for illustrative purposes only CreditMix risk scores: Equifax Risk Scores for managing risk at the market level CreditMix offers average Equifax Risk Scores for households within a specific market, enabling firms to reduce risk and better target and service their customers and prospects. The risk scores predict households likely future credit behavior based on previous behavior as well as compared to credit files that have had similar characteristics under similar conditions. Equifax Risk Score models typically assign higher scores to consumers who exhibit a likelihood of high, or satisfactory, credit performance and lower scores to consumers who exhibit a likelihood of low, or unsatisfactory performance. These scores represent the average household risk within the selected geographic markets. CreditMix Product Sheet 4

5 Type of risk score Telco 98 SM Advanced Energy Risk Model SM Bankruptcy Navigator Index 3.0 Equifax Risk Score 3.0 VantageScore Wireless Advanced Wireless Model Auto Finance Predictor Score Description Risk assessment model. Predicts the likelihood of households becoming a serious credit risk on a telecommunications account. The higher the score, the lower the risk. Risk assessment model. Predicts the likelihood of consumers becoming a serious credit risk on an energy account. The higher the score, the lower the risk. Risk assessment model. Predicts the likelihood of filing bankruptcy within the next 24 months. The higher the score, the lower the risk. Risk assessment model. Predicts the likelihood of becoming seriously delinquent (90+ days past due or worse) within 24 months. The higher the score, the lower the risk. Tri-bureau risk assessment model. Predicts the likelihood of becoming a serious credit risk. The higher the score, the lower the risk. Risk assessment model. Predicts the likelihood of consumers becoming seriously delinquent (60+ days past due or worse) within 6 months. The higher the score, the lower the risk. An advanced analytical tool that predicts the likelihood of a consumer s near-term need or interest in auto financing within 2 to 4 months of scoring. The higher the score, the higher the likelihood of the consumer opening a new auto trade. Gain a complete view of the market: CreditMix combined with IXI Services assets, spending, and income solutions WalletInsights MarketIntel presents a combined view of assets and credit: CreditMix can be combined with MarketMix, IXI Services solution that enables IXI Network Member-Firms to assess the size and share of assets held within target markets. MarketMix represents an estimate of the total invested assets held by all U.S. households and is derived from directly measured assets provided to IXI Services from over 95 of the nation s leading financial services firms. This combined view of assets and liabilities, together known as MarketIntel, enables firms to better identify market level growth and profit opportunities. Offered via WalletInsights, IXI Services online platform, MarketIntel enables firms to make strategic decisions as to which markets to invest in and how they can grow assets, manage risk, and alter short and long-term strategies to maximize profitability and share. CreditMix combined with spending and income offers a more comprehensive view of market health: CreditMix can be combined with IXI Services spending and income products such as Discretionary Spending Dollars, Income360, Comp360, and/or Ability to Pay Index to gain a more comprehensive view of credit behavior, liabilities, estimated income, discretionary spending dollars, and/or ability to pay within target markets. Beyond aggregated credit: The advantage of using household-level credit balances as the foundation for an enhanced market view Standard aggregated credit measures are built from individual records within geographies and present individual use of credit. The drawback of this method is that it results in credit usage measures that sometimes overestimate credit use for individuals that have joint or shared accounts. This occurs because there is no de-duplication of two individuals that share an account. Combining individual-level credit metrics with other household-level data can be problematic. CreditMix Product Sheet 5

6 CreditMix variables are built based on anonymous individual credit information from Equifax, which are then de-duplicated for joint and shared account information to provide improved estimates of credit usage at the household level. All data is aggregated as low as block group or ZIP Code level to protect consumer privacy. Below is an example of how household-level credit metrics lead to different results than individual-level credit metrics. In the example, the household view of mortgage balance offered by CreditMix is more accurate than an individual view of mortgage balance provided by standard credit indicators, since most mortgages are held by households, not individuals. Household-level vs. individual-level aggregation of credit data CreditMix (Households) Household 1 $500,000 Household 2 $1,000,000 Household 3 $300,000 Household 4 $100,000 Standard aggregated credit (Individuals) Husband 1 $500,000 Wife 1 $500,000 Husband 2 $1,000,000 Wife 2 $0 Husband 3 $300,000 Wife 3 $300,000 Husband 4 $100,000 Wife 4 $0 Sum of mortgages $1,900,000 Sum of mortgages $2,700,000 Number of individuals 4 Number of individuals 8 Avg. mortgage/hh $475,000 Avg. mortgage/hh $337,500 Please contact us for more information about CreditMix or MarketMix. Contact Us Today IXI Services 7927 Jones Branch Drive, Suite 400 McLean, VA info.ixiservices@equifax.com EFX-IXI /15/11 Neither these materials nor any product described herein were developed or intended to be used for the extension of credit to any individual, nor may they be used for purposes of determining an individual s creditworthiness or for any other purpose contemplated under the Fair Credit Reporting Act, 15 U.S.C et seq. Bankruptcy Navigator Index,, Equifax, EFX, Income360, Inscore, and WealthComplete are registered trademarks of Equifax Inc. Ability to Pay Index, Comp360, CreditMix, Direct-Measured, Discretionary Spending Dollars, Inform > Enrich > Empower, IXI, MarketIntel, MarketMix, and WalletInsights are trademarks of Equifax Inc. Advanced Energy Risk Model, Equifax Risk Score, and Telco 98 are service marks of Equifax Inc. VantageScore is a registered trademark of VantageScore LLC. Copyright 2012, Equifax Inc., Atlanta, Georgia. All rights reserved.

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